Effective Date: January 1, 2025

At Sterling Credit Limited (“we,” “our,” or “us”), we are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial services.

1. Information We Collect

We may collect and process the following types of personal information:

a) Personal Identification Information

  • Full name
  • National ID/Passport number
  • Phone number
  • Email address
  • Postal and physical address

b) Financial Information

  • Employment details
  • Salary information
  • Bank account details
  • Loan application and repayment history

c) Technical Information

  • IP address
  • Browser type and version
  • Device information
  • Website usage data (cookies and analytics)

2. How We Use Your Information

We use your information for the following purposes:

  • To process loan applications and provide financial services
  • To verify your identity and conduct due diligence
  • To communicate with you regarding your account or services
  • To improve our website, products, and customer experience
  • To comply with legal and regulatory requirements
  • To prevent fraud, money laundering, and other illegal activities

3. Sharing of Information

We do not sell your personal data. However, we may share your information with:

  • Regulatory authorities where required by law
  • Credit reference bureaus for credit assessment
  • Partner institutions (e.g., employers, government agencies) for loan processing
  • Service providers who assist in delivering our services (under strict confidentiality agreements)

4. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, misuse, or alteration. While we strive to protect your information, no system is completely secure, and we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience. Cookies help us:

  • Understand how users interact with our website
  • Improve website functionality and performance
  • Provide a more personalized experience

You can choose to disable cookies through your browser settings.

6. Your Rights

In accordance with applicable data protection laws, you have the right to:

  • Access your personal data
  • Request correction of inaccurate information
  • Request deletion of your data (where applicable)
  • Object to or restrict processing of your data
  • Withdraw consent where processing is based on consent

To exercise your rights, please contact us using the details below.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, including legal, regulatory, and operational requirements.

8. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those third-party sites.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

Sterling Credit Limited
Mama Ngina Street, Transnational Plaza
Nairobi, Kenya

Phone: +254 020-440-2338
Mobile: +254 790-222-000
Email: info@sterlingcredit.co.ke
Website: www.sterlingcredit.co.ke